THE EFFECT OF NON-MUSLIM COMMUNITY’S PERCEPTION ON INTEREST IN BECOMING SYARIAH BANK CUSTOMERS IN THE CITY OF BEKASI, WEST JAVA

This study aims to determine whether the cognitive perception, affective perception, and conative perception variables affect the people’s interest to become customers of Islamic banks in Bekasi City. It uses quantitative methods. As it uses the Slovin formula, the number of respondents was 100 out of a total population of 320,984 non-Muslim community in Bekasi City. The data analysis in this study adopted Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach and the data was processed using PLS 3.0. Based on the results of the data analysis, cognitive variables and affective variables do not have a significant effect on the people’s interest in becoming customers of Islamic banks in Bekasi City, while the conative variables have a significant effect on the people’s interest in becoming customers of Islamic banks in Bekasi City.

FINANCING DISTRIBUTION, FINANCING TO DEPOSIT RATIO (FDR) AND NON PERFORMING FINANCING (NPF) ON PROFITABILITY OF THE ISLAMIC RURAL BANKS IN BANTEN PROVINCE

This study aims to determine empirical evidence about the effect of profit sharing financing, sale and purchase financing, FDR and NPF on the profitability (ROA) of Islamic Rural Banks (BPRS) in Banten Province. The type of data in this study is secondary data using panel data. The research object was five Islamic Rural Banks in Banten Province and research period from the first quarter to the fourth quarter of 2013-2019. The research sample was selected using purposive sampling technique. The analysis method used is Panel Data Regression Analysis with Eviews 10 software. The results obtained in this study indicate that there is no significant influence between the Profit Sharing variable on Profitability (ROA) partially. Sale and Purchase Financing, FDR, and NPF variables partially have a significant effect on profitability (ROA). Simultaneously, Profit Sharing, Sale and Purchase Financing, FDR, and NPF have a significant effect on Profitability (ROA).

THE EFFECT OF MUDHARABAH FINANCING ON THE PROFITABILITY OF ROA AND ROE OF SHARIA RURAL BANKS (BPRS) IN INDONESIA 2017-2018

The purpose of this research is to analyze The Influence of Mudharabah Financing as the dependent variable (X) To The Return On Asset (ROA) as independent variables (Y1) and Return On Equity (ROE) as independent variables (Y2), of The Sharia Rural Banking (BPRS) in Indonesia in 2017-2018. This analysis used 106 BPRS that are made as a sample. The data sources used are secondary data sources from reports on financial publications of each Syariah Rural Banking at the OJK. This type of research is quantitative with Cross Section data method. The analysis technique used is the Eviews 10 for students. The results of this study indicate that Mudharabah Financing has no significant effect on the Ratio On Asset with a regression coefficient and a significance level of 0,160.05. While Mudharabah Financing has no significant effect with the regression coefficient of 0,16 with a significance level 0,000.05

FACTORS CAUSING NON-PERFORMING MURABAHAH FINANCING IN COOPERATIVE JASA LKMS RISALATUNA PADANG CITY

This study aims to see the factors that cause murabahah financing to be non-performing financing. This type of research uses a qualitative descriptive method using literature study data. The results of the study are the factors that cause Non-performing financing murabahah financing in the Risalatuna Jasa Cooperative in Padang City due to the Risalatuna Jasa Cooperative (internal factors) and the customers themselves (external factors). The Islamic law review of the settlement of Non-performing financing murabahah financing at the Risalatuna LKMS Jasa Cooperative is following the principles of Islamic law, because in handling Non-performing financing, the Cooperative Jasa Risalatuna LKMS takes precedence first, providing facilities and debt relief.

DISCLOSURE OF CASH RECEIPT AND EXPENDITURE OF BAITUL MAAL HIDAYATULLAH D.I YOGYAKARTA REPRESENTATIVE AS A GRASS ROOT ENTITY FOR THE ECONOMIC EMPOWERMENT OF PESANTREN IN THE NEW NORMAL ERA

Baitul Maal Hidayatullah Yogyakarta is considered a grass-root entity that has an obligation to provide stimulus during the pandemic and improve the welfare of its members during the Covid-19 pandemic. The financial reports in order to increase credibility and its role must be maximized. The research will have the aim of knowing the application of the internal control system in the cash receipt and cash disbursement cycle and identifying the weaknesses and strengths that have been implemented. This study used a descriptive research method using a factual approach and also journals as literature and conducting observations and analysis at the Baitul Maal Hidayatullah Yogyakarta and conducted a qualitative study. The results of the study measured 5 aspects of the application of internal control in the cycle of cash receipts and disbursements according to COSO at the Baitul Maal Hidayatullah Yogyakarta, namely 1) control environment, 2) risk assessment, 3) control activities, 4) information and communication and 5) monitoring. From these results, it is concluded that the implementation of the internal control system in the cash receipt and cash disbursement cycle of the Baitul Maal Hidayatullah Yogyakarta Mosque has been going well, in line with the identified strengths and weaknesses. Weakness points such as managing using basic applications can potentially be developed further.

ANTECEDENTS OF PHILANTHROPIC BEHAVIOR OF PEOPLE LIVING IN JABODETABEK DURING COVID-19 PANDEMIC

This study aims to examine the antecedents of the philanthropic behavior in the Jabodetabek community in the era COVID-19 pandemic. This type of research is a descriptive qualitative study consisting of 2 (two) variables used, namely exogenous and endogenous. The population in this study is the Jabodetabek community with 400 samples of respondents. The data analysis method used is the partial least squares structural equation modeling (SEM-PLS) method with the help of SmartPLS 3.0 software. The results of this study indicate that: (1) individual factors on philanthropic behavior in this study do not have a positive and significant effect, (2) organization factors on philanthropic behavior in this study have a positive and significant effect, (3) social factors on philanthropic behavior in this study. This has no positive and significant effect.

The Effect of E-Marketing with the AISAS Model on Shariah Mutual Fund Investment Decisions at Bibit Mutual Fund Fintech

This study aims to examine the effect of E-marketing with the AISAS model on mutual fund investment decisions. This research using quantitative research. Data was obtained by distributing online questionnaires to 34 respondents who had or were investing in Bibit Mutual Fund Fintechs that had been registered in the OJK. The sampling technique in this study is purposive sampling, while the Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach is using a data analysis technique. Based on the results of data analysis, Attention variable has a significant effect on Interest variable, Interest variable has a significant effect on Search variable, Search variable has a significant effect on Action variable, Action variable has a significant effect on Share variable, and Share variable has a significant effect on Investment Decisions. Keywords: E-Marketing; Investment Decision; AISAS Model

Analysis of Optimization Model of Haji Financial Investment Portfolio in BPKH RI (Haji Financial Management Agency of the Republic of Indonesia)

Financial management board hajj is an institution in which manages investment funds haji who uses the shariah principle in Indonesia. This study aims to analyze the optimization of Indonesian BPKH investment in a period of the year 2017-2019 in diversified portfolios by adopting both Markowitz. The research data is historical data on investment is being done by BPKH in 2017-2019 which includes instruments, deposits sharia bonds, and a projection on the stocks, and the real sector accommodation. This study used a quantitative approach with the study descriptive. The technique of analysis that was used in this research is the solutions to the results of the portfolio equation optimal with the help of a computer program ms excel solver. The research results show the portfolio BPKH scenario of Indonesia concerning the period of 2017-2019 which showed the level of expected return and 3 on risk scenario investment composition. About the scenario conservative expected return 7,76 % and on the risk 1,09 % , scenario moderate expected return 14,70 % and on the risk 3,22 %, scenario aggressive expected return 26,62 % and on the risk 6,39 %.Keywords: BPKH; Return; Risk Investment; Portfolio Investment; Markowitz.

SWOT ANALYSIS IN AN EDUCATIONAL INSTITUTION (Case Study: Baitul Qur'an Islamic Boarding School, Depok)

The development of the educational institution industry continues to increase, which demands an effective marketing strategy to face the increasingly tight competition in the education service business. This research is a qualitative research methodology with a descriptive approach that aims to determine the marketing strategy of Baitul Qur'an educational institutions. The analysis tool used is the analysis of the company's environment (EFE, IFE, and IE Matrix) with the SWOT method (Strength, Weakness, Opportunity, Threat). The results of the Baitul Qur'an Islamic Boarding School evaluation based on Internal and External analysis obtained from the SWOT analysis resulted in an alternative strategy of S-O (Strength-Opportunity). Then, the results of the SWOT analysis are reprocessed using the QSPM (quantitative strategic planning matrix) method to obtain priority strategies from various alternative strategies as well as a decision to choose a strategy. The priority strategy in this study is to optimize the use of digital marketing and other marketing technologies to support the development of Islamic boarding schools in a wider area (6,87).Keywords: Marketing Strategy; Educational Institution; SWOT; QSPM

THE EFFECT OF THE PERCEPTION OF ELECTRONIC MONEY ON CONSUMPTIVE BEHAVIOR OF STEI SEBI STUDENTS

In the era of industrial revolution 4.0, technological developments made changes in the lifestyle of the modern generation. The purpose of this study was to analyze the perception of the use of electronic money, whether it supports the consumptive research of STEI SEBI students. The electronic money acceptance model in this study uses the Technology Acceptance Model (TAM), and the indicators used to measure the consumptive level of STEI SEBI students are indicators of consumptive behavior. The research used is descriptive-quantitative. The data used are primary data sent from questionnaires distributed to STEI SEBI students. The method of analysis in this study uses a simple regression analysis. The results of this study indicate that electronic money has a positive and significant influence on the consumptive students of STEI SEBI, users using high electronic money than making consumptive STEI SEBI students will also increase.Keywords: Technology Acceptance Model; Electronic Money; Consumptive Behavior